Wallace Group - Insurance Blog

Life Insurance for MS Patients

Life insurance is a product that everyone needs but unfortunately not everyone selects a policy when they are young and healthy. Hundreds of thousands of people in our country are currently living with MS and many have no idea they are living with this illness. Can people with multiple sclerosis get life insurance? In many cases, yes.

What underwriters look for:

Underwriters will want to see stable lesions.

Underwriters will want to see regular visits to the doctor with recent brain scans.

Underwriters will want to know about your current level of functionality.

When I shop for life insurance for people with MS, I ask a lot of detailed questions because it always helps to include the positives with your application. Many people get denied because they choose the wrong company to purchase life insurance or because their agent will not take the time to ask questions and take good notes to give to the underwriters. All life insurance carriers are different in regards to what policies they will issue. The reason you should choose an independent agent is because we shop and know our carriers.

The good news is that by reading this article, you are already in the process of choosing life insurance. The earlier you make your purchase, the more affordable it will be. Which is true of all life insurance clients and applications.

Also remember, it NEVER HURTS TO LOOK FOR LIFE INSURANCE!!! Even if you have progressive relapsing multiple sclerosis, you may still be able to qualify for life insurance.

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